# Xero

> Run your business, not your books. Xero is the all-in-one business management platform for small businesses with 1 to 20 employees, trusted by over 4.6 million subscribers across 12 countries. Xero connects accounting, payroll, payments, and tax in one place, with JAX (an AI financial superagent) to automate workflows and deliver real-time financial insights.

## About Xero

- [About Xero](https://www.xero.com/about/): Company overview, mission, and the story behind building Xero
- [Security at Xero](https://www.xero.com/security/): How Xero protects business data with ISO 27001 and SOC 2

## Core Product Features

- [Xero accounting software](https://www.xero.com/accounting-software/): Cloud accounting for small businesses, from invoicing to payroll and tax
- [All features](https://www.xero.com/accounting-software/all-features/): Complete list of Xero features across all plan tiers
- [Online invoicing](https://www.xero.com/accounting-software/send-invoices/): Create and send professional invoices with automated payment reminders
- [Bank reconciliation](https://www.xero.com/accounting-software/reconcile-bank-transactions/): Automated bank feeds with one-click transaction matching
- [Payroll](https://www.xero.com/accounting-software/payroll/): Pay employees with payroll tax compliance support built in
- [Financial reporting](https://www.xero.com/accounting-software/run-financial-reports/): Real-time profit and loss, balance sheet, and cash flow reports
- [Analytics and cash flow dashboard](https://www.xero.com/accounting-software/analytics/): Visual cash flow forecasts and business performance tracking
- [Pay bills](https://www.xero.com/accounting-software/pay-bills/): Automated bill capture, duplicate detection, and payment scheduling
- [Accept payments](https://www.xero.com/accounting-software/accept-payments/): Payment processing built into invoices so customers pay faster
- [Expense claims](https://www.xero.com/accounting-software/claim-expenses/): Capture, approve, and reimburse employee expenses from mobile
- [Inventory management](https://www.xero.com/accounting-software/manage-inventory/): Track stock connected directly to invoicing and accounting
- [Hubdoc](https://www.xero.com/accounting-software/capture-data-with-hubdoc/): Auto-extract data from bills and receipts, direct to Xero
- [Quotes](https://www.xero.com/accounting-software/send-quotes/): Send professional quotes that convert to invoices in one click
- [Project tracking](https://www.xero.com/accounting-software/track-projects/): Track time, costs, and job profitability in one place

## JAX (AI Financial Superagent)

- [JAX overview](https://www.xero.com/ai-in-accounting/): Xero's AI financial superagent for automated reconciliation and business insights
- [JAX vision and roadmap](https://www.xero.com/ai-in-accounting/jax-vision/): How JAX learns your business and automates financial workflows

## Mobile App

- [Xero Accounting App](https://www.xero.com/accounting-software/xero-accounting-mobile-app/): Run your business from iOS or Android, invoice and reconcile on the go

## Apps & Integrations

- [App integrations](https://www.xero.com/accounting-software/app-integrations/): Connect Xero with 1,000+ apps including Shopify, Stripe, and HubSpot

## For Accountants & Bookkeepers

- [Accountants and bookkeepers hub](https://www.xero.com/accountants-bookkeepers/): Tools, programs, and resources for accounting professionals
- [Xero HQ](https://www.xero.com/xero-hq/): Practice dashboard to manage clients, jobs, and insights in one place
- [Xero Practice Manager](https://www.xero.com/xero-practice-manager/): Workflow, time tracking, and billing tools for accounting firms
- [Xero Workpapers](https://www.xero.com/xero-workpapers/): Digital workpapers for year-end and compliance engagements

## Pricing

- [Pricing overview](https://www.xero.com/pricing-plans/): Xero subscription plans and what's included in each tier
- [Pricing (United States)](https://www.xero.com/us/pricing-plans/): US plans with USD pricing, payroll and 1099 filing included
- [Pricing (United Kingdom)](https://www.xero.com/uk/pricing-plans/): UK plans with GBP pricing, compatible with Making Tax Digital
- [Pricing (Australia)](https://www.xero.com/au/pricing-plans/): AU plans with AUD pricing, STP and superannuation support included
- [Pricing (New Zealand)](https://www.xero.com/nz/pricing-plans/): NZ plans with NZD pricing, payday filing support included
- [Pricing (Canada)](https://www.xero.com/ca/pricing-plans/): CA plans with CAD pricing for Canadian small businesses
- [Pricing (Singapore)](https://www.xero.com/sg/pricing-plans/): Singapore plans with SGD pricing
- [Pricing (Malaysia)](https://www.xero.com/my/pricing-plans/): Malaysia plans with MYR pricing
- [Pricing (Hong Kong)](https://www.xero.com/hk/pricing-plans/): Hong Kong plans with HKD pricing
- [Pricing (South Africa)](https://www.xero.com/za/pricing-plans/): South Africa plans with ZAR pricing
- [Pricing (Philippines)](https://www.xero.com/ph/pricing-plans/): Philippines plans with PHP pricing
- [Pricing (Ireland)](https://www.xero.com/ie/pricing-plans/): Ireland plans with EUR pricing
- [Pricing (Indonesia)](https://www.xero.com/id/pricing-plans/): Indonesia plans with IDR pricing

## Small Business Guides

- [How to do bookkeeping](https://www.xero.com/us/guides/how-to-do-bookkeeping/): Bookkeeping basics and best practices for US small business owners
- [1099 filing requirements](https://www.xero.com/us/guides/1099-filing-requirements/): Who must file 1099s, key deadlines, and penalties (United States)
- [1099-NEC guide](https://www.xero.com/us/guides/1099-nec-form/): What the 1099-NEC is, who gets one, and how to file (United States)
- [How to calculate sales tax](https://www.xero.com/us/guides/how-to-calculate-sales-tax/): Calculating and collecting sales tax across US states
- [Sales tax nexus](https://www.xero.com/us/guides/sales-tax-nexus/): What triggers a US sales tax obligation and how to manage it
- [What is FICA tax](https://www.xero.com/us/guides/what-does-fica-stand-for/): FICA payroll tax explained for US employers and employees
- [Quarterly estimated taxes](https://www.xero.com/us/guides/quarterly-estimated-taxes/): How to calculate and pay quarterly taxes as a US small business
- [How to invoice](https://www.xero.com/us/guides/invoicing/): Step-by-step invoicing guide for US small business owners
- [VAT guide for UK businesses](https://www.xero.com/uk/guides/vat/): VAT registration, calculation, returns, and MTD explained (United Kingdom)
- [National Insurance contributions](https://www.xero.com/uk/guides/national-insurance-contributions/): NI rates, classes, and what UK employers owe
- [National Insurance changes 2025](https://www.xero.com/uk/guides/national-insurance-changes-2025/): Impact of the 2025 NI changes on UK employer payroll costs
- [Self-employed tax (UK)](https://www.xero.com/uk/guides/self-employed-tax/): Tax obligations and self-assessment for UK sole traders
- [MTD for VAT guide](https://www.xero.com/uk/guides/mtd-for-vat/): Making Tax Digital for VAT: what it means and what to do (United Kingdom)
- [GST and BAS guide](https://www.xero.com/au/guides/gst-and-bas/): GST registration, BAS lodgement, and record-keeping for AU businesses
- [Superannuation obligations](https://www.xero.com/au/guides/superannuation-obligations/): Super guarantee rates, payment deadlines, and compliance for AU employers
- [Single Touch Payroll guide](https://www.xero.com/au/guides/single-touch-payroll/): How STP reporting works and what AU employers need to do
- [Managing cash flow (AU)](https://www.xero.com/au/guides/managing-cash-flow/): Practical cash flow management for Australian small businesses
- [NZ GST guide](https://www.xero.com/nz/guides/gst/): GST registration, rates, and filing returns for New Zealand businesses

## Compliance & Tax (Regional)

- [Making Tax Digital (UK)](https://www.xero.com/uk/programme/making-tax-digital/): MTD for VAT and Income Tax: requirements, timelines, and Xero support (United Kingdom)
- [Submit VAT with Xero (UK)](https://www.xero.com/uk/accounting-software/submit-vat-online/): File VAT returns directly to HMRC through Xero (United Kingdom)
- [Single Touch Payroll (AU)](https://www.xero.com/au/programme/single-touch-payroll/): STP Phase 2 obligations and how Xero handles payroll reporting (Australia)
- [Superannuation with Xero (AU)](https://www.xero.com/au/accounting-software/payroll/superannuation/): Automated super calculations and SuperStream payments for AU employers
- [Sales tax automation (US)](https://www.xero.com/us/accounting-software/calculate-sales-tax/): Automated sales tax calculation across US jurisdictions
- [Payday filing (NZ)](https://www.xero.com/nz/accounting-software/payroll/payday-filing/): Payday filing requirements and how to file through Xero (New Zealand)
- [GST filing with Xero (NZ)](https://www.xero.com/nz/accounting-software/submit-gst-returns/): Submit GST returns directly to IRD through Xero (New Zealand)

## Support & Learning

- [Xero support](https://www.xero.com/support/): 24/7 help centre, onboarding support, and guided setup resources
- [Xero Central](https://central.xero.com/): Help articles, how-tos, and product documentation for Xero users

## Developers

- [Xero Developer Platform](https://developer.xero.com/): API docs, SDKs, OAuth2, and tools for building Xero integrations
- [API documentation](https://developer.xero.com/documentation/): Getting started guides and full Xero API reference

## App Store

- [Xero App Store](https://apps.xero.com/): Browse and connect 1,000+ apps that work with Xero

## Partner & Affiliate Programs

- [Xero partner programme](https://www.xero.com/partner-programme/): Free Xero access, tiered rewards, and practice tools for accountants
- [Xero affiliate program (US)](https://www.xero.com/us/affiliate-program/): Earn commission by referring small businesses to Xero (United States)

## Regional Sites

- [Xero United States](https://www.xero.com/us/): Cloud accounting for US small businesses with payroll, sales tax automation, and 1099 filing
- [Xero United Kingdom](https://www.xero.com/uk/): MTD-compatible accounting and payroll for UK small businesses and sole traders
- [Xero Australia](https://www.xero.com/au/): Accounting for AU businesses with STP, BAS lodgement, and super built in
- [Xero New Zealand](https://www.xero.com/nz/): Accounting and payroll for NZ businesses, with payday filing and GST
- [Xero Canada](https://www.xero.com/ca/): Cloud accounting for Canadian small businesses
- [Xero Singapore](https://www.xero.com/sg/): Cloud accounting for Singapore small businesses
- [Xero Malaysia](https://www.xero.com/my/): Cloud accounting for Malaysian small businesses
- [Xero Hong Kong](https://www.xero.com/hk/): Cloud accounting for Hong Kong small businesses
- [Xero South Africa](https://www.xero.com/za/): Cloud accounting for South African small businesses
- [Xero Philippines](https://www.xero.com/ph/): Cloud accounting for Philippine small businesses
- [Xero Ireland](https://www.xero.com/ie/): Cloud accounting for Irish small businesses
- [Xero Indonesia](https://www.xero.com/id/): Cloud accounting for Indonesian small businesses

## Why Xero (Comparisons)

- [Xero versus other software](https://www.xero.com/versus/): Hub comparing Xero to accounting software alternatives across markets
- [Xero vs QuickBooks (US)](https://www.xero.com/us/versus/quickbooks-alternative/): How Xero compares to QuickBooks for US small businesses
- [Xero vs FreshBooks (US)](https://www.xero.com/us/versus/freshbooks-alternative/): How Xero compares to FreshBooks for US small businesses
- [Xero vs Sage (US)](https://www.xero.com/us/versus/sage-alternative/): How Xero compares to Sage for US small businesses
- [Xero vs QuickBooks (UK)](https://www.xero.com/uk/versus/quickbooks-alternative/): Why UK businesses choose Xero over QuickBooks
- [Xero vs FreeAgent (UK)](https://www.xero.com/uk/versus/freeagent-alternative/): Xero vs FreeAgent for UK small businesses and sole traders
- [Xero vs MYOB (AU)](https://www.xero.com/au/versus/myob-alternative/): Why Australian businesses choose Xero over MYOB

## Company

- [Xero Blog](https://blog.xero.com/): Product updates, small business tips, and accounting industry news
- [Investors](https://www.xero.com/investors/): ASX-listed financial results, reports, and shareholder information
- [Media releases](https://www.xero.com/media-releases/): Press materials and product announcements from Xero
- [Careers](https://careers.xero.com/): Open roles and what it's like to work at Xero

## Optional

- [Xero for small businesses (industry pages)](https://www.xero.com/small-businesses/): Industry-specific pages for construction, retail, hospitality, and more
- [Business document templates](https://www.xero.com/templates/): Free invoice, budget, and financial statement templates to download
- [Xero research reports](https://www.xero.com/reports/): Annual small business and accounting industry research from Xero
- [Guides for accountants and bookkeepers](https://www.xero.com/accountant-bookkeeper-guides/): Practical guides for accounting professionals using Xero
- [Legal and privacy](https://www.xero.com/legal/): Terms of use, privacy policy, and partner agreements